Privacy Policy

Introduction

At VARNEY PAYDAY LOANS, INC. ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the site. We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy on the site.

Information We Collect

Personal Data

We may collect personal identification information from you in a variety of ways, including, but not limited to, when you visit our site, register on the site, fill out a form, and in connection with other activities, services, features or resources we make available on our site. You may be asked for, as appropriate:

• Contact information (such as name, email address, mailing address, phone number)
• Financial information (such as income, employment information, account numbers, payment history)
• Social security number and other government identification numbers
• Credit and payment data (such as credit history, credit scores, and payment behavior)
• Demographic information (such as zip code, age, gender)

Non-Personal Data

We may collect non-personal identification information about users whenever they interact with our site. Non-personal identification information may include:

• Browser name
• Type of computer or device
• Technical information about users' means of connection to our site, such as the operating system and the Internet service providers utilized
• Other similar information

How We Collect Information

We collect information from you in several different ways, including:

• Direct Collection: Information you provide when you submit forms, create an account, contact us, or otherwise engage with our services.
• Automated Collection: Information collected automatically through cookies and similar tracking technologies when you visit our website.
• From Third Parties: We may receive information about you from business partners, service providers, and other third parties who have a relationship with you.

How We Use Your Information

We may use the information we collect from you for various purposes, including to:

• Provide, operate, and maintain our website and services
• Process and complete transactions
• Connect you with suitable lenders and financial service providers
• Send administrative information, such as updates, security alerts, and support messages
• Respond to your comments, questions, and requests
• Improve our website, services, marketing efforts, and user experience
• Develop new products, services, features, and functionality
• Communicate with you about promotions, upcoming events, and other news about products and services
• Monitor and analyze trends, usage, and activities in connection with our website
• Detect, prevent, and address technical issues
• Comply with our legal obligations

Sharing Your Information

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• By Law or to Protect Rights: If we believe the release of information is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by law.
• Service Providers and Business Partners: We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
• Financial Service Providers and Lenders: To facilitate our services, we may share your information with lenders and other financial service providers to help you obtain financial products and services.
• Marketing Communications: With your consent, or with an opportunity for you to withdraw consent, we may share your information with third parties for marketing purposes.
• Business Transfers: If we or our assets are acquired by another company, or in the unlikely event that we go out of business or enter bankruptcy, user information would be one of the assets that is transferred or acquired by a third party.
• Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy.

Cookies and Tracking Technologies

We may use cookies, web beacons, tracking pixels, and other tracking technologies on the site to help customize the site and improve your experience. When you access the site, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the site.

Third-Party Websites

The site may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the site, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information.

Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

Your Rights Regarding Your Information

Access to Your Personal Information

You have the right to request access to the personal information we collect from you, free of charge in most cases. You can do this by contacting us using the information provided below.

Correction of Your Personal Information

If you believe that any information we hold about you is inaccurate, out-of-date, incomplete, irrelevant, or misleading, please contact us using the information below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading, or out-of-date.

Deletion of Your Personal Information

You have the right to request that we delete any personal information we have collected from you, subject to certain exceptions. Please note that we may need to retain certain information when we have a legal obligation or lawful basis to do so.

Opting Out

You can at any time tell us not to send you marketing communications by:

• Using the unsubscribe link in our marketing emails
• Contacting us using the information provided below

California Privacy Rights

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with the Site, you have the right to request removal of unwanted data that you publicly post on the Site. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Site, but please be aware that the data may not be completely or comprehensively removed from our systems.

Contact Us

If you have questions or comments about this Privacy Policy, please contact us at: